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61^#

發表於 06-4-8 21:49 |只看該作者

Re: 租樓住的媽咪，你地對將來有什麼打算？

Ding 寫道:
Agreed .. 所以我在未打算有小朋友時就買樓...等一切安定先再去生bb .. 如果生左之後才考慮買樓.. 我相信自己都無咁嘅能力 .. ..而家我安於現狀 .. 一邊上網 .. 一邊就望住個海 .. 可惜今日天氣唔好.. 睇唔到機場 .. 隔離屋又要搬啦 .. 因為個業主每兩年會轉新租客 ..

我都係買佐樓先結婚，然後生BB，結果都係覺得自己供落去好辛苦。因為生佐BB後，就好多野都會由“安定”變佐唔“安定”。不過如果你的“等一切安定”係指已經差不多供完層樓又唔同。不過我就冇能力短時間供完層樓囉。
我唔明點解你隔離個業主會鍾意每兩年轉新租客，如果租佐俾個好租客，點會喜歡轉呢？

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積分: 3356

62^#

發表於 06-4-8 22:06 |只看該作者

Re: 租樓住的媽咪，你地對將來有什麼打算？

agree with winghw...
The secure 供樓支出 should not over 20% of 收入
For the case of a couple with a child of 3 years old..
if income of a couple = 25000
mortage loan returning = 7500 (70% mortage of 2M flat) - 30% of income
other fixed expense = 2000 (management fee/land rate/water/Electricity/gas)
Education/Activity of a child = HK$3000
A maid needed as couple need to work = 4000 (salary & government tax)
Insurance = HK$3000 ...

HK$5500 left for food and all other household living expenses for FOUR perons at home....still have not mention to give money to the parents of couple or preparing the retirement.....

You can imagine how bad is the living quality.......

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63^#

發表於 06-4-8 23:02 |只看該作者

Re: 租樓住的媽咪，你地對將來有什麼打算？

winghw, 噢! 對唔住! 原來係我誤會左. 我誤會左個topic係"租好定買好".

講得"租好定買好", 我就會假設佢"租"或"買"都有能力. 按你既情況, 其實你沒有選擇, 你只能轉買為租 (請勿介意我咁講). 你的固定支出加上必要開支, 剩下的已不足以供樓.

都係果句:"買樓, 從來都不是每一個人都能輕易做到的."

[img align=left]http://img7.picsplace.to/img7/25/0578-1.jpg[/img]

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積分: 3356

64^#

發表於 06-4-8 23:25 |只看該作者

Re: 租樓住的媽咪，你地對將來有什麼打算？

The winghw 's case are very popular in HK. Most of the HK family structure are same as Winghw..couple with 1 child, a maid, and parents of couple...

hkchina, As you mention before, they are not qualify to buy a flat...So you means that the Mortage Cost/Income ratio should be lower than 0.3?? Am i right??? So what is the affordable ratio you think of??

If so, why you always suggest people to buy a flat instead of rent if the ratio is 0.3 or lower..

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積分: 1699

65^#

發表於 06-4-8 23:45 |只看該作者

Re: 租樓住的媽咪，你地對將來有什麼打算？

I don't think her case is popular in HK. "上有三老，下有一寶，仲要養個工人，全部都要包吃包住。更加要為自己將來退休做打算。"

Two ppl working, but need to support 7 ppl living. It's obvisously that both winghw and her Hubby are the single child of the last generation. This is a very special case.

For normal families, ratio is 0.3 is very safe, tho 金管局 requires 0.5. In 1997, ppl are doing 0.7-0.9.

Well, I think I shall stop arguing with you on these, it doesn't make any sense.

[img align=left]http://img7.picsplace.to/img7/25/0578-1.jpg[/img]

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積分: 3356

66^#

發表於 06-4-9 00:03 |只看該作者

Re: 租樓住的媽咪，你地對將來有什麼打算？

hkchina2000,

so pls commend the following case (with 0.3 ratio) ....are they qualify to buy a flat??? You can find this kind of family structure everywhere in HK. It is a kind of 'NORMAL' family that most of the people agreed!!!!

For the case of a couple with a child of 3 years old..
if income of a couple = 25000
mortage loan returning = 7500 (70% mortage of 2M flat) - 30% of income
other fixed expense = 2000 (management fee/land rate/water/Electricity/gas)
Education/Activity of a child = HK$3000
A maid needed as couple need to work = 4000 (salary & government tax)
Insurance = HK$3000 ...

HK$5500 left for food and all other household living expenses for FOUR perons at home....still have not mention to give money to the parents of couple or preparing the retirement.....

各位朋友, pls speak out if you are the similar case as i mentioned before, to show how popular the case is to hkchina2000.

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積分: 1699

67^#

發表於 06-4-9 00:28 |只看該作者

Re: 租樓住的媽咪，你地對將來有什麼打算？

Haha, my wife is laughing.

In HK, there are 3.4M ppl working out of 6.9M ppl. So 2 are supporting Seven must be way off average.

According to information provided by Census, among these 6.9M ppl, there are 1.3M private house, and the average family size in HK is 3.1 persons.

I just read an article on today's Economic Daily, it says there are 530K family are having the income of $30K per month, where as only 350K families in 1995.

There are only 350K maid in HKG, some higher income families are highing more than 1 maid, so divided by the 530K families of having income over $30K, only 50-60% of these families has a maid.

From your example: a family with income 25K, and want to have a maid, and to buy a flat? As I said before: Buying a flat in any modern Cities, was never easy for everyone. Some ppl definitly has to rent, and some will have to live in the Gov't housing.

[img align=left]http://img7.picsplace.to/img7/25/0578-1.jpg[/img]

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積分: 3356

68^#

發表於 06-4-9 00:31 |只看該作者

Re: 租樓住的媽咪，你地對將來有什麼打算？

So you means that the case i mention should rent in stead of buy?? Am i right??

if so..OK..we will all understand..

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積分: 1699

69^#

發表於 06-4-9 00:43 |只看該作者

Re: 租樓住的媽咪，你地對將來有什麼打算？

"買樓, 從來都不是每一個人都能輕易做到的." Hope you understand.

隔離有位靚太準備買間凱旋門, 拿埋都千幾萬起, 不如你問下佢個供款ratio?

[img align=left]http://img7.picsplace.to/img7/25/0578-1.jpg[/img]

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積分: 3356

70^#

發表於 06-4-9 00:51 |只看該作者

Re: 租樓住的媽咪，你地對將來有什麼打算？

2.5K income - 2M flat - couple with a child & a maid - 70% mortage - 0.3% ratio

""買樓, 從來都不是每一個人都能輕易做到的""

我終於收到你的意思了, 多謝 !!

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siumanmama

積分: 1635

71^#

發表於 06-4-9 01:34 |只看該作者

Re: 租樓住的媽咪，你地對將來有什麼打算？

"凱旋門拿埋都千幾萬" <--500幾尺起的單位唔駛咁多!有d 向淺海, 有d向內園呢...

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積分: 1699

72^#

發表於 06-4-9 01:48 |只看該作者

Re: 租樓住的媽咪，你地對將來有什麼打算？

好少人買果d來自住既, 你唸住全家搬過來, 哈哈.

Denbee 托我問你預算供樓佔你家庭收入?% wor? 咁係幾多%嗟?

[img align=left]http://img7.picsplace.to/img7/25/0578-1.jpg[/img]

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siumanmama

積分: 1635

73^#

發表於 06-4-9 15:07 |只看該作者

Re: 租樓住的媽咪，你地對將來有什麼打算？

如果我地新婚未有小朋友, 我都會考慮細單位架! 嘻嘻...
不過, 我都認為果類多數係投資者hold住多ｄ，

供樓佔我地家庭收入少於30%，因為我地唔係比3成首期。

你地討論呢個供樓佔家庭收入RATIO, 好難有一個絕對的數字for all，有人搵好多錢，都可以冇錢淨，但有ｄ搵一萬都冇，一樣可以儲到好多錢。
人人用錢的pattern都唔同，對前景睇法亦唔一樣，受學歷、性格、收入、環境．．．好多方面影響。總而言之，我覺得收入多ｄ的，個ratio可以去到4x%, 一般中等收入家庭就唔好計得咁盡，萬一經濟逆轉，都唔會咁吃力，同變負資產。

以上係小女子的愚見，多多指教！
（申報：現時我地又唔係租，又唔係供樓）

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積分: 1699

74^#

發表於 06-4-9 18:22 |只看該作者

Re: 租樓住的媽咪，你地對將來有什麼打算？

我問錯左, 我應該問:"如果你用左收入的一半去供樓, 剩下的一半夠不夠你維持現有生活, 當然包括繼續有能力每年去三次歐洲旅行啦, 不過每年去唔去三次就係另一回事.

你唔係租, 又唔係供, 小男子估你一係住緊層fully paid左既樓, 又或者係有人俾條鎖匙俾你地果種. 真令人羨慕.

[img align=left]http://img7.picsplace.to/img7/25/0578-1.jpg[/img]

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siumanmama

積分: 1635

75^#

發表於 06-4-10 01:25 |只看該作者

Re: 租樓住的媽咪，你地對將來有什麼打算？

都夠...但我地唔會去到咁盡50%,我地仲有其他計劃...
我地每年都會去兩、三次旅行, 多數開完會後順便留下, 都唔一定去歐洲.
係呀!

我地住緊又係fully paid左, 又係有人俾條鎖匙俾你地既舊樓

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Ding

男爵府

積分: 5224

76^#

發表於 06-4-10 09:42 |只看該作者

Re: 租樓住的媽咪，你地對將來有什麼打算？

winghw

可能我好彩.. 我樓果陣係 p+2% .. 金融風暴之後 .. 我同老公都經歷過香港最困難嘅時候 .. 當時我地都未有bb .. 後來減息 .. 仲係 p-2% .. 少左 4% .. 每月供少幾仟蚊 .. 經過咁多事之後我地做工間公司都仲可以企得住 .. 都算係穩定 .. 就考慮要bb .. 回想起 .. 當時我地都好辛苦架.. 而家供左10年喇 .. 都還左一半俾銀行 .. 就算加左10幾次息都係加左一仟蚊左右.. 唔太多 .. 而且我住嘅係大型屋苑(shk).. 管理都唔錯 .. 就算唔係新樓.. 佢都有一定價值 .. 況且我又唔係炒.. 無咩點理d樓價..

隔離業主點解要成日換租客就不得而知 .. 不過有時同租客傾開就話間屋漏水.. 業主又唔理 .. 都好煩 .. 既然佢唔續咪搬囉 ..

Ding

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積分: 1699

77^#

發表於 06-4-10 11:30 |只看該作者

Re: 租樓住的媽咪，你地對將來有什麼打算？

siumanmama 寫道:
都夠...但我地唔會去到咁盡50%,我地仲有其他計劃...
我地每年都會去兩、三次旅行, 多數開完會後順便留下, 都唔一定去歐洲.
係呀! 我地住緊又係fully paid左, 又係有人俾條鎖匙俾你地既舊樓

[img align=left]http://img7.picsplace.to/img7/25/0578-1.jpg[/img]

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meejh